Can I retire at age 35 with 732,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $732,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$60,448$59,909$59,384$58,871$58,371$56,775
2 years$29,925$29,367$28,827$28,304$27,796$26,200
3 years$19,752$19,192$18,653$18,134$17,635$16,089
4 years$14,666$14,108$13,575$13,065$12,577$11,093
5 years$11,616$11,061$10,535$10,035$9,561$8,142
6 years$9,583$9,032$8,513$8,025$7,565$6,213
7 years$8,131$7,585$7,075$6,598$6,153$4,868
8 years$7,043$6,502$6,000$5,535$5,104$3,886
9 years$6,197$5,661$5,168$4,714$4,298$3,145
10 years$5,520$4,990$4,505$4,064$3,662$2,573
11 years$4,967$4,442$3,966$3,537$3,150$2,122
12 years$4,507$3,987$3,520$3,102$2,730$1,762
13 years$4,118$3,603$3,145$2,739$2,380$1,471
14 years$3,784$3,275$2,826$2,431$2,087$1,233
15 years$3,495$2,992$2,551$2,168$1,837$1,037
16 years$3,243$2,745$2,313$1,941$1,624$875
17 years$3,021$2,528$2,105$1,744$1,440$740
18 years$2,823$2,336$1,921$1,572$1,280$627
19 years$2,647$2,165$1,759$1,420$1,141$532
20 years$2,488$2,012$1,614$1,286$1,019$453
21 years$2,344$1,874$1,485$1,168$912$385
22 years$2,214$1,749$1,369$1,062$817$328
23 years$2,096$1,636$1,264$967$734$280
24 years$1,987$1,533$1,169$882$660$239
25 years$1,887$1,439$1,082$805$594$204
26 years$1,795$1,352$1,004$736$535$174
27 years$1,710$1,272$932$674$482$149
28 years$1,631$1,199$867$617$435$127
29 years$1,558$1,131$806$566$393$109
30 years$1,490$1,068$751$520$355$93
31 years$1,426$1,010$700$477$321$80
32 years$1,367$955$653$439$290$68
33 years$1,311$905$610$403$263$58
34 years$1,258$858$570$371$238$50
35 years$1,209$813$533$342$215$43
36 years$1,163$772$499$315$195$37
37 years$1,119$733$467$290$177$31
38 years$1,077$697$437$267$160$27
39 years$1,038$663$409$246$145$23
40 years$1,001$630$384$227$132$20
41 years$965$600$360$210$120$17
42 years$932$572$338$194$109$14
43 years$900$545$317$179$99$12
44 years$870$519$297$165$89$11
45 years$841$495$279$152$81$9
46 years$813$472$262$141$74$8
47 years$787$451$246$130$67$7
48 years$762$430$231$120$61$6
49 years$738$411$218$111$55$5
50 years$715$392$205$103$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $732,000, adding $5,679 every year, while hoping to spend $48,644 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 76/5/19 Blend
34$732,000$732,000$732,000$732,000
35$812,522$773,726$762,380$870,284
36$843,642$759,882$736,163$895,448
37$876,307$743,729$707,437$916,458
38$910,621$725,102$676,067$938,205
39$946,701$703,829$641,912$960,750
40$984,671$679,724$604,823$984,158
41$1,024,669$652,592$564,646$1,008,504
42$1,066,843$622,226$521,220$1,033,870
43$1,111,355$588,409$474,374$1,060,347
44$1,158,382$550,910$423,934$1,088,036
45$1,208,115$509,483$369,715$1,117,049
46$1,260,767$463,871$311,524$1,147,513
47$1,316,565$413,801$249,160$1,179,565
48$1,375,762$358,984$182,414$1,213,360
49$1,438,631$299,116$111,067$1,249,068
50$1,505,474$233,875$34,889$1,286,880
51$1,576,617$162,920$0$1,327,006
52$1,652,421$85,892$0$1,379,087
53$1,733,279$2,412$0$1,442,134
54$1,819,622$0$0$1,509,406
55$1,911,923$0$0$1,586,115
56$2,010,700$0$0$1,668,365
57$2,116,521$0$0$1,756,499
58$2,230,008$0$0$1,851,039
59$2,351,846$0$0$1,952,556
60$2,482,783$0$0$2,061,678
61$2,623,645$0$0$2,179,095
62$2,775,334$0$0$2,305,563
63$2,938,844$0$0$2,441,912
64$3,115,265$0$0$2,589,057
65$3,305,797$0$0$2,747,999
66$3,511,754$0$0$2,919,842
67$3,734,586$0$0$3,105,796
68$3,975,882$0$0$3,307,194
69$4,237,393$0$0$3,525,499
70$4,521,040$0$0$3,762,322
71$4,828,939$0$0$4,019,434
72$5,163,417$0$0$4,298,781
73$5,527,033$0$0$4,602,507
74$5,922,600$0$0$4,932,969
75$6,353,218$0$0$5,292,759
76$6,822,294$0$0$5,684,732
77$7,333,579$0$0$6,112,027
78$7,891,201$0$0$6,578,102
79$8,499,702$0$0$7,086,759
80$9,164,083$0$0$7,642,186
81$9,889,850$0$0$8,248,994
82$10,683,062$0$0$8,912,255
83$11,550,393$0$0$9,637,559
84$12,499,187$0$0$10,431,055
85$13,537,534$0$0$11,299,517
86$14,674,340$0$0$12,250,404
87$15,919,414$0$0$13,291,930
88$17,283,556$0$0$14,433,138
89$18,778,662$0$0$15,683,991
90$20,417,833$0$0$17,055,458
91$22,215,498$0$0$18,559,624
92$24,187,548$0$0$20,209,798
93$26,351,489$0$0$22,020,637
94$28,726,601$0$0$24,008,289
95$31,334,123$0$0$26,190,540
96$34,197,451$0$0$28,586,983
97$37,342,356$0$0$31,219,201
98$40,797,230$0$0$34,110,971
99$44,593,349$0$0$37,288,484
100$48,765,168$0$0$40,780,597